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<br /> TOt3FiTN�R WITH ull thfl impmvcmcnte noa or hercuttcr cmctrd an 1he praperty.rmd all c�.4emcnt�.a}rpnrtenanceA, �,
<br /> und flxtures now or hereafter a part of Uio prop�rty. All repincemente und¢ddidona sftull utso be covemd by this Security
<br /> Inatrumcnt. Atl af the foregoing is refcmed to in this 3ecurity Inauument av the "PropePty."
<br /> BORROWER COVENAIVTS thut borrawer la lowfirlly seiaed af the estnta hereby conveyed nrtd has tha dght to grant
<br /> and canvey ttee Property and that tho Property is unencumbered exccpt for cncumbmnce:►af recard. 8arrower wa�nnta nnd
<br /> witl defend genernlly the dtle to the Pcoperty agaiwt all claims und deenanda,Ru6jxt to any encumbranexa of record
<br /> THIS SECURI'CX INSTRtlMENT c�mbiates unifom� covennma for rtr�tionnl use and non•uniform covenanta wlth r_
<br /> limited�+tuiations by Jwrisdicdon to conssltute u uniform secudry insuumeat covering mal pmperty.
<br /> UNIFORM COVENANTS. Bomawtr and[,cnder covenant and�grce ua followa:
<br /> l. H�yn�ent ot Pdndpai and Interesti Prepayntea!�ad l.ate Chat�. Bortnwer shn[I prompdy puy when due the
<br /> pdncfpal of und intemst on the debt evidenced by tha 1Vot�and any prepayment nnd lute cbarges due under the Note.
<br /> 2. F�ada tr,r 7Uutes and Iasuratr^e. Sub�ect to npplica�ble law or to a written walver by L,ender.Bmzowtr shnU pay to
<br /> Lender on the dny monthly paycaents nre due under tho Note.unttl tl�o Note is paid in full.a sum("Funds")for.(u)ye�uly
<br /> mxes and assessmtnta whtch may atwin prioriry over thia Securiry[nswment as a Iter�ai�the Pmperty;(b)yeurly leusehold -
<br /> paymsnts or ground crnta on the Pmperty.if any: (c) Year1Y haza�d or Praperty insurnnce pmm[ums: (d) Yearly flood
<br /> tnsurotice pnmiwns.�f any:(e)Ye�riy n►ortguge inswanr.e premiu�us,if any:and(fl any sums naytible by Bomower w
<br /> Lender.in accordana with�he provislons of pamgrnph 8.tn lieu of the payment of mortguge iasurance premlums. These
<br /> Item4 une called"Escrow Items." LeAdeT may,ut eny timsme.coUect and hold FLnds ia an amount not to e:ceed the msucimum
<br /> umount a lender for a fedei�lly related mortgase loan a�ny ceyuin for Bomower's escrow uocount under the federal Real
<br /> Estnu Seuleraen!Pracedures Act of 1974 os amended from dme to dme,12 U.S.C.�2601 e�seq.("RBSPA"),unless another
<br /> laHr thnt appUes to the F�nd.4 r,et.g a le.�.ser nmow►t !f so.Lender ms►y.at nt�y daae,coliect and hold Fluids in an amount not to .
<br /> exc�ed tha Icsses amoun� l.eader may esdmuu the�unount of FLads due on the basis uf cumeat dau►aad m,s�sonable
<br /> estlmaus of expeadlwns of futun Fscrow Items or otherwlse in uccordance wttd applicable law.
<br /> 'Ree F��nds shatl be hetd�n an incrihiti�m whose deposlts ssre itaured by n fedtml ageacy.iusaumentality,or ent�ty
<br /> (includiag Lender.if L.endee Is such an instItudon)or in any Fedeml Home Loan Bmilc. l.ender shail upply the Fi�aaia to pay `
<br /> the Escmw Items. Lender may nat cherge Boitower for holding und applying the E�nds.annually analyztu8 tt�e escroti'�'
<br /> account,or verifying the F.sc�aw Items.�nless l�ender pays Borrower interest on tbe E�nds and applicable law pemdts
<br /> Lender w malce such a charge. However.I.ender may requlre Bomower w pay a uae•time charge for su�iadependent real
<br /> e,ctau tax reporttng servIce used by L.eader ia connection wtth thIs loan,ualess applirable law pmvides othetwi.se. Unless an
<br /> agreement�S made or upplicable luw nquires Interest to be p�id Lender sh�ll not be�quized to pay Bon+nwer uny inurest or
<br /> earaiugs on the Fliads. Bosmwer and Lender may agree ia wnd�g,however.that iaterest shall be paid on tde Funds. Lender
<br /> shuU give to Bomowu,witheut churge.aa annual uccuunting of the F§�nds,showing c�ts aad debits to the Funds aad the _
<br /> putrwse Cor which each debit to the l7unds was aande. 1tt�E�nds iu+e pledged ac addldon�l securiry for all sums secured by
<br /> this�ec.-uriiy ibs�.�i. `
<br /> If tiie Puads held by I.ender eaceai the amoants pecmitted to be held by appIIeable law. Leadet shs�ll nocouttt w
<br /> H.omuwer for the ea�cess Fiutds in accordance writh the t�quirements of appltcz�ble law. If the amsunt of the F�nds he{fl by
<br /> I.ender at any time is not su�ic�ent to pay the Fscn�w Items when duo,Lender muy so notuy Bomower ia wrlting,aad.ia
<br /> such case Bomower shall pay W Leader the a=aouat neaessaiyr to make up the defecieacy. Bormwer shaU ma{ce up the
<br /> deRclenry in no more then twelve montNy psymeats,at L.ender�s sote discredon.
<br /> Upon payment ia tWl of s►t sums aecwr�i by this Security 1nsm�menG I..ender shail promgtly cefwtd w Bott+ower any
<br /> Funds held by L.eader. If.under parag�apb 21. Lender shnll�oqutre ar sell the Roperty.Ix.nder.prtor w the�uisi6on or
<br /> sale of the Property,s6a11 apply any k�n�s held by I.ender at We ame of acquisidon ar sale as a crcdit against tbe sums
<br /> secUred by this SeairIty Insuumen�
<br /> 3. Appl�tlon ot A�y�nenfs. Ualess applicable law provIdes atherwlse.all paymeats tevelved by �.eader under
<br /> paraS�phs 1 and 2 s6a11 be epplled:first,to any prepay�uent charges due under the Note:second.w amounta paYable under
<br /> P�P�2:QhiCd.W inuiest due:fouN�.w principal due:and last.to aay lau c�arges due undet tiie Note.
<br /> 4. Ch�rgesi Idens. Boirower shall pay all taxes.nssessments. charges, fines aad impc>siflons amibutabie to t6e
<br /> property which may auain priority over this Saeurtty Iast�anen�and leasehold payanents or ground rents.if any. Bamnwer
<br /> sh�!pay d�se obl[gations in the maaner pmvided in par�graph 2,or if not paid in thnt ms��er.Bomower shall pay d►em on
<br /> time direcdy W,the person owed paymen� Bomower shaU pmmptly fumis6 to Lender all aotlas of aawunts to be paid under
<br /> this gaiagrap!►. If Bo:rower makes these ps+ymeats dI�ecdy.Bomuwer shall pmmptty fumish to Leader receipts evidencing
<br /> the paymems.
<br /> gorrower shsU prompUy discbarge any llen whictr has priority over tdis�ecuricy Instrument unless Boirower:(a)agce�s
<br /> an writing to the payment of the obligatioa secured by the lien in a manaer aoceptable W L,endtr:(b)contests in goai taith the
<br /> }ieA by.or defends against eaforcemeat of the Inen in.legal pmoeadIngs which in the Lender's opinioa operate to paevant the
<br /> enforcament of the lten;or(c)soc�u�es fmm the lmlder of the lien anagreement satisfactory to[.ender subordinadng the IIen
<br /> to this Security Inswment If I.eader detecmines that uny pait of the Pro�eerty te subjcxx io a i€en wMch may att�iu prierlty -
<br /> over thia Securiay Instsument,Lender may give Bomower a notioe identiffynng the lien. Bomower shall satiafy the lien or mke
<br /> one or more of the actions set forth abova within 10 days of ttce giving of nodce.
<br /> 5. Ha�ard ot Property Insorance. Bomower shali keep the ingTOVements now eaistiag or hes�after�rected oa the
<br /> �operty insured against lvss by fu+e.haanrds{ncluded wiWln the tetm'eatendtd coverage"aad any other hazard�.including
<br /> Qoods or Aoodjng,for which Lendei reyuiies insurance. 'I�is lnstuat�ce shall be mainmined i»the nmounts ead for dte
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